"There were many times when my children asked if we were having a hot dinner and I’d tell them 'yes, toast'."

+ a kind credit card company, a poor credit score, and a discount on a discount

Last week, I did a scary thing. Something I didn’t imagine I’d ever have to do again. I called one of my credit card companies to tell them I couldn’t pay. Actually, that’s what I planned to do. What I actually did was open the app to find out how to call them. And instead I found a link for ‘need help with debt or payments’.

I tapped on it, expecting i…